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Compare Melio and Nickel 
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At a Glance
Market Segments
Small-Business (94.1% of reviews)
Small-Business (97.9% of reviews)
Entry-Level Pricing
Free
Free
Melio
Star Rating
(243)4.5 out of 5
Market Segments
Small-Business (94.1% of reviews)
Pros & Cons
Entry-Level Pricing
Free
Free Trial is available
Browse all 4 pricing plansNickel
Star Rating
(115)4.8 out of 5
Market Segments
Small-Business (97.9% of reviews)
Pros & Cons
Entry-Level Pricing
Free
Browse all 2 pricing plansSummary
AI Generated Summary
AI-generated. Powered by real user reviews.
- Users report that Melio offers a user-friendly interface with a high Ease of Use score of 9.2, while Nickel excels even further with a score of 9.7, making it easier for small businesses to navigate and manage their payments.
- Reviewers mention that Melio's accounting integration is solid with a score of 8.8, but Nickel outperforms it with a score of 9.4, allowing for smoother synchronization with accounting software, which is crucial for financial management.
- G2 users highlight that Melio's online payment portal is effective, scoring 9.1, but Nickel's portal is slightly better at 9.3, providing a more seamless experience for customers making payments online.
- Users on G2 say that while Melio has a decent Quality of Support score of 8.4, Nickel shines with a perfect score of 9.9, indicating that users feel more supported and valued when they encounter issues.
- Reviewers mention that Melio's processing fees score of 8.3 is competitive, but Nickel's score of 9.2 suggests that users find it more cost-effective, which is a significant consideration for small businesses managing tight budgets.
- Users report that Melio's product direction score of 8.3 indicates room for improvement, while Nickel's perfect score of 10.0 suggests that users are highly confident in its future development and enhancements, making it a more reliable long-term choice.
Pricing
Entry-Level Pricing
Melio
Melio Go
Free
Melio Go is free and ideal for businesses looking to enhance cash flow, streamline payments, and handle transactions however they prefer.
- 5 free ACH transfers per month
- 10 free syncs with QuickBooks Online & Xero
- Pay by card or bank—vendor receives check, ACH, or wire transfers
Nickel
Nickel Core
Free
Everything a small business needs to send and receive payments seamlessly. Unlimited free ACH, payment links, QuickBooks Online sync and more, all for free.
- Unlimited free ACH bank transfers
- 2.9% flat credit card processing and option to pass on the fee to the buyer
- Real time sync with Quickbooks Online
Free Trial
Melio
Free Trial is available
Nickel
No trial information availableRatings
Meets Requirements
8.7
200
9.3
90
Ease of Use
9.2
202
9.6
96
Ease of Setup
9.0
149
9.5
95
Ease of Admin
9.1
100
9.5
50
Quality of Support
8.4
177
9.6
82
Has the product been a good partner in doing business?
9.0
100
9.6
49
Product Direction (% positive)
8.5
183
9.6
88
Features by Category
Payment Methods
9.3
7
Not enough data
9.3
7
Not enough data
9.8
7
Not enough data
Payment Processing
8.1
7
Not enough data
9.3
7
Not enough data
8.3
7
Not enough data
8.6
7
Not enough data
8.1
7
Not enough data
8.6
7
Not enough data
9.3
7
Not enough data
Security and Compliance
7.6
7
Not enough data
7.6
7
Not enough data
7.6
7
Not enough data
8.1
7
Not enough data
7.6
7
Not enough data
7.6
7
Not enough data
Integration
7.9
7
Not enough data
7.6
7
Not enough data
7.9
7
Not enough data
Payment Types
9.4
6
Not enough data
7.5
6
Not enough data
7.2
6
Not enough data
Agentic AI - Enterprise Payment
Not enough data
Not enough data
Invoice Management
8.5
41
9.2
6
7.5
37
Feature Not Available
7.7
37
8.3
6
Invoice Processing
7.8
40
8.1
6
9.1
46
9.4
6
8.5
41
9.2
6
7.3
31
Feature Not Available
Analytics
8.7
41
9.2
6
Feature Not Available
7.8
6
Feature Not Available
8.1
6
Integration
9.1
43
8.9
6
8.7
43
9.7
6
Feature Not Available
8.1
6
Risk
8.0
35
8.9
6
7.6
34
8.6
6
7.4
31
Feature Not Available
Recovery
7.8
28
9.2
6
8.0
33
9.2
6
Audit
6.8
30
8.1
6
7.0
28
7.5
6
6.7
30
8.6
6
6.9
32
8.1
6
Fraud
7.5
31
9.2
6
7.6
29
9.2
6
7.8
27
9.2
6
Agentic AI - AP Automation
Not enough data
7.7
5
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Invoice Generation
8.7
47
Not enough data
9.2
54
Not enough data
8.5
48
Not enough data
Invoice Processing
8.9
50
Not enough data
8.6
50
Not enough data
8.6
46
Not enough data
8.9
52
Not enough data
Analytics
9.0
59
Not enough data
8.4
48
Not enough data
8.0
44
Not enough data
9.0
56
Not enough data
Integration
8.7
55
Not enough data
8.7
55
Not enough data
8.1
42
Not enough data
8.8
49
Not enough data
Agentic AI - Invoice Management
7.4
7
Not enough data
7.6
7
Not enough data
7.1
7
Not enough data
Payment Processing
9.0
98
9.1
69
8.8
99
9.1
70
Feature Not Available
7.8
67
Feature Not Available
7.6
62
Administration
Feature Not Available
8.6
70
Feature Not Available
7.4
64
8.2
107
9.3
69
Feature Not Available
6.9
58
8.5
83
8.7
62
8.2
78
8.1
57
8.0
71
7.8
52
Payment Options
Feature Not Available
Feature Not Available
8.9
114
9.1
69
Security
Feature Not Available
8.0
55
Platform
8.7
103
9.2
61
8.1
72
7.7
52
Platform Basics
8.7
43
9.1
9
8.6
42
9.1
9
Platform Administration
7.4
41
8.3
7
7.4
41
7.1
7
7.8
43
7.1
7
Platform Payment Content
7.8
41
7.9
7
7.8
41
7.9
7
6.9
38
Feature Not Available
Reporting
9.0
34
8.1
18
7.9
31
Feature Not Available
8.8
34
7.9
17
Integrations
9.0
34
7.5
17
8.1
31
6.6
17
8.2
32
5.9
17
Transactions
8.1
32
5.8
16
9.5
34
8.4
16
9.1
35
8.7
17
Workflows
8.8
32
7.0
15
8.7
33
6.9
16
Agentic AI - Accounts Receivable Automation
Not enough data
5.3
11
AI - Accounts Receivable
Not enough data
5.3
11
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Agentic AI - Accounting & Finance
Not enough data
Not enough data
Categories
Categories
Shared Categories
Melio and Nickel are categorized as AP Automation, Payment Processing, Accounts Receivable, and Contractor Payments
Unique Categories
Melio is categorized as Enterprise Payment and Invoice Management
Nickel has no unique categories
Reviews
Reviewers' Company Size
Melio
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Nickel
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Small-Business
(50 or fewer emp.)
Mid-Market
(51-1000 emp.)
Enterprise
(> 1000 emp.)
Reviewers' Industry
Accounting
23.8%
Marketing and Advertising
9.2%
Retail
5.0%
Real Estate
4.2%
Consulting
3.8%
Other
54.0%
Accounting
23.2%
Construction
15.8%
Real Estate
4.2%
Information Technology and Services
4.2%
Hospital & Health Care
4.2%
Other
48.4%
Discussions
Is Melio service legit?
4 Comments
SB
Yes, it's fantastic.Read more
What is Melio service?
2 Comments
BC
Melio is an ACH solution that allows you to send and receive payments without any fees. Read more
What is Melio app?
2 Comments
OM
Melio App allows me to conveniently and quickly pay my contractors via ACH. Read more
Nickel has no discussions with answers
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